Search found 18900 matches

by VictoriaF
Sun May 24, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 106
Views: 5412

Re: Tips to stick to a weight loss diet?

Dr. Peter Attia has a framework of the three areas for achieving healthy weight: - Calorie Restriction (CR) - Time Restriction (TR) - Macronutrient Restriction (MR) CR - straightforward: count calories, consume fewer calories TR - 16/8, 18/6, etc.: fast for 16 hours, eat during an 8-hour window MR -...
by VictoriaF
Sun May 24, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 106
Views: 5412

Re: Tips to stick to a weight loss diet?

My suggestion is to turn eating from something pleasurable into something that you simply need to do every day to live. Find pleasure in another outlet. Excellent suggestion. Relegating food to its primary purpose of supporting life not only would help one to lose weight but also to improve the ove...
by VictoriaF
Sun May 24, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 106
Views: 5412

Re: Tips to stick to a weight loss diet?

I guess a better question is, what are some tips to help stick to a weight loss (and then maintenance) way of eating? I do not want this discussion turning into medical advice that will get this locked. It's so easy to give into temptation. Any suggestions? Listen to “The Obesity Code“ on Audible. ...
by VictoriaF
Sun May 24, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Mobile scanner: Why not?
Replies: 16
Views: 1158

Re: Mobile scanner: Why not?

htdrag11 wrote:
Sat May 23, 2020 5:59 pm
Why do you need a scanner? Load an app to your Android or iPhone if it's just a few pages.
I don't have a smartphone.

Victoria
by VictoriaF
Sun May 24, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Mobile scanner: Why not?
Replies: 16
Views: 1158

Re: Mobile scanner: Why not?

If you really need to replace your printer, choice #2 is a great one. Ours (also from Costco) has been excellent. Very much appreciate double-sided paper scanning thru automatic document feeder on the occasions that's been necessary. Toner consumption seems very reasonable. Thank you, TimeRunner! P...
by VictoriaF
Sat May 23, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Mobile scanner: Why not?
Replies: 16
Views: 1158

Mobile scanner: Why not?

I had an old ScanSnap scanner since 2008. A week ago, it suddenly died. It did not have any COVID-19 symptoms, and I have not caught anything from it (yet). I tried to revive ScanSnap by diligently following the instructions: connecting and disconnecting it to/from two different laptops, reloading t...
by VictoriaF
Sat May 23, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6993

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

Neither Asness nor Taleb is a Boglehead. The Bogleheads philosophy targets investors, not fund managers. The main principle of this philosophy is to invest in low-cost, broad-based, index funds. Victoria I mean I remember you writing that you know Taleb. Have you asked him about Bogleheads philosph...
by VictoriaF
Fri May 22, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 6993

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

Neither Asness nor Taleb is a Boglehead.

The Bogleheads philosophy targets investors, not fund managers. The main principle of this philosophy is to invest in low-cost, broad-based, index funds.

Victoria
by VictoriaF
Thu May 21, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 57
Views: 5284

Re: Healthcare post COVID-19

I look at healthcare post-COVID-19 from the perspective of health (rather than disease) : - In the past three or four years, I have been reading books and blogs, listening to podcasts, and searching for specific health-related information. I am trying to exercise personalized healthcare, meaning th...
by VictoriaF
Tue May 19, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55553

Re: How to get Toilet Paper ? seriously.

I recently heard a joke:

I used to spin that toilet paper like I was on Wheel of Fortune. Now I turn it like I'm cracking a safe.

Victoria
by VictoriaF
Tue May 19, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 551
Views: 144519

Re: Pull-ups and Push-ups

Jazztonight wrote:
Tue May 19, 2020 12:31 pm
It takes around 5 or 6 months to be able to do pull-ups, starting from zero. Today is a good day to start.
Thank you, Jazztonight, for the inspiration.

Victoria
by VictoriaF
Sat May 16, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 60
Views: 5091

Re: Rent is increased by 6%, negotiation tips?

Considering that some people are not paying rent now, the landlord may be trying to reduce the shortfall by charging you more.

Victoria
by VictoriaF
Fri May 15, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6589

Re: Has Your Spending Changed Since The Shutdown?

I just received my monthly batch of credit card bills over the weekend. They are the lowest I ever remember them being, so my spending apparently has changed more than I realized. It was further reduced by several large refunds on their for cancelled airfare, hotel stays, etc. Same here, mainly tra...
by VictoriaF
Wed May 13, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4822

Re: 90%+ chocolate bar

I don't eat sugar but wanted to have some chocolate and was looking for 100%-cacao chocolate. Some Boglehead has referenced Chocosphere, https://www.chocosphere.com/, and since then I am buying my chocolate from them. Here is a link to their products with > 90% cacao: https://www.chocosphere.com/de...
by VictoriaF
Tue May 12, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card chargeback
Replies: 6
Views: 821

Re: Credit card chargeback

You've done way too much already. You reached out to him to say it didn't work. He didn't rectify on your first response. File chargeback. https://www.chargebackgurus.com/blog/dont-run-out-the-clock-understanding-chargeback-time-limits#What-are-visas-chargeback-time-limits What are Visa's Chargebac...
by VictoriaF
Tue May 12, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6589

Re: Has Your Spending Changed Since The Shutdown?

I just received my monthly batch of credit card bills over the weekend. They are the lowest I ever remember them being, so my spending apparently has changed more than I realized. It was further reduced by several large refunds on their for cancelled airfare, hotel stays, etc. Same here, mainly tra...
by VictoriaF
Tue May 12, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4822

Re: 90%+ chocolate bar

I don't eat sugar but wanted to have some chocolate and was looking for 100%-cacao chocolate. Some Boglehead has referenced Chocosphere, https://www.chocosphere.com/, and since then I am buying my chocolate from them. Here is a link to their products with > 90% cacao: https://www.chocosphere.com/def...
by VictoriaF
Tue May 12, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6589

Re: Has Your Spending Changed Since The Shutdown?

I just received my monthly batch of credit card bills over the weekend. They are the lowest I ever remember them being, so my spending apparently has changed more than I realized. It was further reduced by several large refunds on their for cancelled airfare, hotel stays, etc. Same here, mainly tra...
by VictoriaF
Tue May 12, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1462

Re: Thoughts on Berkey Water Filters

"Many folks believe that Brita filtered water tastes great." My better half insisted that the Brita water tasted better. One day I set up a blind test, with Brita water, tap water, a couple of brands of bottled water, and some random water that had been setting in a nalgene bottle for six months af...
by VictoriaF
Tue May 12, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1462

Re: Thoughts on Berkey Water Filters

I don't know why people are so enthusiastic about this thing. The manufacturer hasn't sought independent certifications of its filtration system and those who have tested it have found it wanting compared to its marketing claims. https://thewirecutter.com/reviews/big-berkey-water-filter-system/ Agr...
by VictoriaF
Tue May 12, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128940

Re: Coronavirus (Consumer Issues) How you are preparing?

I am watching the very informative Youtube channel "MedCram" on the current COVID-19 pandemic. Front-line doctors are theory crafting the property of this virus; maybe we are getting closer to solving it by using old meds. I am watching MedCram, too! I also watched a 4-part series on the lessons fr...
by VictoriaF
Mon May 11, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6589

Re: Has Your Spending Changed Since The Shutdown?

Down: travel, classes, entertainment, D.C. metro transportation.
Up: food deliveries for me, food deliveries for my mother in another state, online subscriptions, books, supplements.
On balance: I am spending less, but it's not a goal.

Victoria
by VictoriaF
Mon May 11, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

I use this forced abstention from travel as an opportunity to improve my life. I am reading a lot about health enhancements and applying some of what I learn. I have read a lot about habits, discipline, scheduling, and related topics, and now I am applying things that were on the back-burner. I esti...
by VictoriaF
Mon May 11, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1462

Re: Thoughts on Berkey Water Filters

I have been using Brita which is economical when the containers and filters are purchased from Costco. Thanks to COVID-19 and cancelled travel, I have more time to read about health enhancements and act on what I read. Among other things, I decided to replace my Brita with Travel Berkey. Up until to...
by VictoriaF
Mon May 11, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13331

Re: Coronavirus Flight Cancel Thread

I think I saw your post earlier in the thread. Did they give you a travel credit or travel certificate (or did they offer you a choice)? They gave me an Electronic Travel Certificate (ETC) as follows: Travel Certificate Amount $284.30 Expiration date 04/30/2022 PIN [private info] Recipient's name [...
by VictoriaF
Sun May 10, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13331

Re: Coronavirus Flight Cancel Thread

I have a question for more seasoned travelers. I am pretty sure I am not going to Germany this July with my family at this point. I was taking a wait and see to it all, but things don't seem to be getting better. We are flying to Germany on United and, until May 31, if we cancel we can get travel v...
by VictoriaF
Sat May 09, 2020 2:39 pm
Forum: US Chapters
Topic: 75th Anniversay of VE Day - Thank you Taylor and others
Replies: 11
Views: 697

Re: 75th Anniversay of VE Day - Thank you Taylor and others

Russia celebrates the Victory day on May 9th. According to a Moscow TV station, https://wwitv.com/tv_channels/b6361-Moscow-24-TV.htm , today there are some spontaneous events around Moscow with some people (not all) wearing masks and trying to maintain physical distance.

Victoria
by VictoriaF
Thu May 07, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference Update
Replies: 27
Views: 2657

Re: 2020 Bogleheads Conference Update

Thank you for your hard work.

I am grateful that I don't have to decide whether I should come to the conference, if it were held. I will be monitoring this thread for the enrollment information in the virtual conference.

Victoria
by VictoriaF
Wed May 06, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4420

Re: 2020 travel plans

Is anybody planning to travel to the 2020 Bogleheads conference if it takes place?

Victoria
by VictoriaF
Wed May 06, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4420

Re: 2020 travel plans

I have cancelled most of my trips and waiting for cancellations of remaining ones. NOTE that with airlines, it's worthwhile waiting until the last 30 hours, or so, in hope that they would cancel the flight for a cash refund. By contrast, if you cancel a flight, the best you can expect is a voucher o...
by VictoriaF
Sat May 02, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13331

Re: Coronavirus Flight Cancel Thread

Both Mastercard and VISA have extended protections for services that are purchased now for performance in the future. Those policies provide that a dispute timeline can be based on one of two start dates. Either the dispute must be initiated within 120 calendar days of the transaction processing da...
by VictoriaF
Sat May 02, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13331

Re: Coronavirus Flight Cancel Thread

Dispute on your credit card. Like this idea. Hotel and flight $ refunds pending on my cc I saw somewhere on FlyerTalk that you can dispute charges with your credit card within 120 days of the date of service; not of the date of purchase. As I pay for many of my flights well in advance, for me, this...
by VictoriaF
Thu Apr 30, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 297
Views: 16727

Re: [On-going Scams - Post them here]

I'm honestly a bit surprised from the video calls, I didn't know there war part of the scam now. Maybe they hired an actor, he's relatively handsome. What makes you think that a scammer can't be handsome? This is discrimination against scammers. Victoria It appears you made assumptions rather than ...
by VictoriaF
Thu Apr 30, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13331

Re: Coronavirus Flight Cancel Thread

Today, I canceled a UA domestic flight and received an ETC (Electronic Travel Certificate). The ETC is valid for 2 years from today. The way I read it, up to April 30, 2022, I will be able to use it for travel even after April 30, 2022. - Change dates and/or cities <-- YES - Book on United and Unite...
by VictoriaF
Wed Apr 29, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 297
Views: 16727

Re: [On-going Scams - Post them here]

Slowtraveler wrote:
Wed Apr 29, 2020 8:08 am
I'm honestly a bit surprised from the video calls, I didn't know there war part of the scam now. Maybe they hired an actor, he's relatively handsome.
What makes you think that a scammer can't be handsome? This is discrimination against scammers.

Victoria
by VictoriaF
Wed Apr 29, 2020 8:05 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21596

Re: I Bonds are a screaming buy - Tipswatch

I have prepared $10k to buy I Bonds but changed my mind. My logic is as follows: - Let's say I Bonds will provide me with 2% advantage over CDs. 2% of $10k is $200/year. This is a relatively minor amount, it's less than the cost of taking a class. - On the other hand, during COVID-19, there could b...
by VictoriaF
Wed Apr 29, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9281

Re: Anyone wish they would have invested more during recent downturn?

Je ne regrette rien. In 2008, I was anticipating Plan-B of retiring later than I had planned. In 2014, I retired according to my plan. The financial part of my plan was to have large amounts of cash that would enable me to satisfy all my (reasonable) needs until I start collecting Social Security. ...
by VictoriaF
Wed Apr 29, 2020 7:19 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21596

Re: I Bonds are a screaming buy - Tipswatch

I have prepared $10k to buy I Bonds but changed my mind. My logic is as follows: - Let's say I Bonds will provide me with 2% advantage over CDs. 2% of $10k is $200/year. This is a relatively minor amount, it's less than the cost of taking a class. - On the other hand, during COVID-19, there could be...
by VictoriaF
Sat Apr 25, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13331

Re: Coronavirus Flight Cancel Thread

Today, I have successfully cancelled an one-way American Airlines flight on June 30. The flight was purchased with 12.5k AA miles and $5.60 taxes. It was purchased on the AA site, on AA metal, on my name. The cancellation went smoothly: - the miles were redeposited in less than 1 hour - I received a...
by VictoriaF
Wed Apr 22, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9118

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

(3) $280 is a relatively small amount and I am likely to use the credit in the next 18 months. I think that would be the deciding factor for me. If it turned out that I cannot spend $280 of credit in 18 months, I would have other bigger problems to worry about. Great logic. Thanks! Victoria
by VictoriaF
Wed Apr 22, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9118

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

Please advise: I have a one-way domestic-travel ticket on United for July 5, for which I paid $280 with a credit card. The ticket is in Basic economy. UA recently sent out an offer: if passengers cancel near-term travel they'll get a travel credit with UA for 18 months from the date of cancellation....
by VictoriaF
Wed Apr 22, 2020 10:30 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72455

Re: Bogleheads community discussion - Coronavirus

About a 6 weeks ago, I purchased two Pulse Oximeters from Target. I think these are incredibly useful. In my household, we measure our oxygen level a few times a day. Here is an article emphasizing the importance of doing so: https://www.nytimes.com/2020/04/20/opinion/coronavirus-testing-pneumonia....
by VictoriaF
Tue Apr 21, 2020 8:02 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72455

Re: Bogleheads community discussion - Coronavirus

About a 6 weeks ago, I purchased two Pulse Oximeters from Target. I think these are incredibly useful. In my household, we measure our oxygen level a few times a day. Here is an article emphasizing the importance of doing so: https://www.nytimes.com/2020/04/20/opinion/coronavirus-testing-pneumonia....
by VictoriaF
Tue Apr 21, 2020 7:16 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72455

Re: Bogleheads community discussion - Coronavirus

About a 6 weeks ago, I purchased two Pulse Oximeters from Target. I think these are incredibly useful. In my household, we measure our oxygen level a few times a day. Here is an article emphasizing the importance of doing so: https://www.nytimes.com/2020/04/20/opinion/coronavirus-testing-pneumonia....
by VictoriaF
Mon Apr 20, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4392
Views: 1252182

Re: What Book Are You Currently Reading? Part VI

"The Body : A Guide for Occupants" by Bill Bryson . A fantastic book in its own right but particularly relevant in the time of COVID-19. I saw this book on an Amtrak ride from New York City in early March. The woman sitting next to me was reading it with deep attention and few breaks. When I asked h...
by VictoriaF
Sat Apr 18, 2020 3:14 pm
Forum: Personal Investments
Topic: NFCU 3%+ Certificates
Replies: 22
Views: 2140

Re: NFCU 3%+ Certificates

Their credit cards are comparable to those from Chase and American Express, with a far less annual fee (for example, their Flagship Rewards card rewards are comparable to Chase Sapphire Reserve, for an annual fee of $49 vs. $250 effective with Chase). I am an NFCU member but was ignoring their cred...
by VictoriaF
Fri Apr 17, 2020 9:07 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72455

Re: Bogleheads community discussion - Coronavirus

fatcoffeedrinker, If we have the same system as other countries that can do contact tracing and quarantine all infected persons plus close contacts as it shows up, we do not need that many tests. Anything short of that, the only other choice is to test everyone. So, which answer do you prefer? A) F...
by VictoriaF
Fri Apr 17, 2020 8:49 pm
Forum: Personal Investments
Topic: NFCU 3%+ Certificates
Replies: 22
Views: 2140

Re: NFCU 3%+ Certificates

Their credit cards are comparable to those from Chase and American Express, with a far less annual fee (for example, their Flagship Rewards card rewards are comparable to Chase Sapphire Reserve, for an annual fee of $49 vs. $250 effective with Chase). I am an NFCU member but was ignoring their cred...
by VictoriaF
Thu Apr 16, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897229

Re: What's Your Credit Card Rewards Strategy?

I'm pretty excited that after years of being unable to get Chase cards, I've finally dropped below 5/24 and picked up a Chase Ink Preferred off a buddy's referral--got 80K URs coming my way once I figure out how to spend $5K during lockdown lol. I have just finished bonus spending on Chase United B...
by VictoriaF
Tue Apr 14, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897229

Re: What's Your Credit Card Rewards Strategy?

I'm pretty excited that after years of being unable to get Chase cards, I've finally dropped below 5/24 and picked up a Chase Ink Preferred off a buddy's referral--got 80K URs coming my way once I figure out how to spend $5K during lockdown lol. I have just finished bonus spending on Chase United B...